amortise

简明释义

英[/əˈmɔrˌtaɪz/]美[/əˈmɔrˌtaɪz/]

vt. 分期偿还；摊还（债券等）；把……转让给教会永久管理

英英释义

单词用法

同义词

反义词

例句

1.Engineers told Congress that shuttle missions might fly up to once a week, allowing NASA to amortise its development costs over lots of launches; in the event there have been only a handful each year.

工程师告知国会航天飞机任务周期可能为一周一次，这样NASA才有可能分期偿还其多次发射的开销；结果每年只有寥寥几次。

2.Engineers told Congress that shuttle missions might fly up to once a week, allowing NASA to amortise its development costs over lots of launches; in the event there have been only a handful each year.

工程师告知国会航天飞机任务周期可能为一周一次，这样NASA才有可能分期偿还其多次发射的开销；结果每年只有寥寥几次。

3.American firms used to be allowed to amortise goodwill over many years.

过去美国的企业被允许将商誉在很多年内逐步摊销。

4.You can amortise the cost of the new equipment over its useful life.

你可以在新设备的使用寿命内摊销其成本。

5.The accountant suggested that we amortise the investment over 10 years.

会计建议我们在10年内摊销这项投资。

6.It's important to amortise your debts to manage your finances effectively.

有效管理财务很重要，要摊销你的债务。

7.The company plans to amortise its loan over a period of five years.

公司计划在五年内摊销其贷款。

8.In real estate, you often amortise your mortgage payments monthly.

在房地产中，你通常每月摊销你的抵押贷款付款。

作文

In the realm of finance, understanding various terms is crucial for effective management of personal and business finances. One such term that often comes up in discussions about loans and investments is amortise. To amortise means to gradually reduce a debt over time through regular payments. This concept is particularly important when dealing with mortgages or any long-term loans, where the borrower pays back the principal amount along with interest in installments. When you take out a mortgage, for example, the lender typically provides you with a detailed amortization schedule. This schedule outlines each payment you will make over the life of the loan, showing how much of each payment goes towards interest and how much goes towards reducing the principal. Understanding how to amortise a loan can help borrowers manage their finances more effectively, as it allows them to see the progress they are making towards paying off their debt.The process of amortising a loan can be broken down into several key components. First, it is essential to understand the terms of the loan, including the interest rate and the repayment period. The interest rate determines how much extra you will pay on top of the principal, while the repayment period affects the size of your monthly payments. By knowing these factors, you can calculate your monthly payment using an amortization formula or an online calculator.Once you have established your monthly payment amount, you can begin to amortise the loan. Each month, you will make a payment that consists of two parts: interest and principal. In the early years of the loan, a larger portion of your payment goes towards interest, while later on, more of your payment will go towards reducing the principal. This is known as the amortization curve, which shows how your debt decreases over time. Understanding this process is not only beneficial for managing loans but also for making informed decisions about refinancing or paying off loans early. If you decide to pay off a loan early, knowing how to amortise can help you understand how much interest you will save and how your remaining balance will change. In addition to personal finance, the concept of amortisation is also relevant in the context of business accounting. Companies often use amortisation to spread the cost of intangible assets, such as patents or trademarks, over their useful life. This helps businesses accurately reflect their financial position and ensures that expenses are matched with the revenues they generate. In conclusion, understanding the term amortise is vital for anyone dealing with loans, whether personally or professionally. It provides a clear framework for managing debt and making informed financial decisions. By grasping the concept of amortisation, individuals and businesses alike can navigate the complexities of finance with greater confidence and clarity.

在金融领域，理解各种术语对于有效管理个人和商业财务至关重要。一个经常出现在贷款和投资讨论中的术语是amortise。amortise的意思是通过定期付款逐渐减少债务。这个概念在处理抵押贷款或任何长期贷款时尤为重要，因为借款人通过分期付款偿还本金和利息。例如，当你申请抵押贷款时，贷方通常会向你提供一份详细的摊销计划。这份计划列出了你在贷款期限内每次支付的金额，显示每笔付款中有多少用于利息，有多少用于减少本金。理解如何amortise贷款可以帮助借款人更有效地管理财务，因为它使他们能够看到自己在偿还债务方面所取得的进展。Amortising贷款的过程可以分为几个关键组成部分。首先，了解贷款的条款，包括利率和还款期限至关重要。利率决定了你需要在本金之外支付多少额外费用，而还款期限则影响你的月供金额。通过了解这些因素，你可以使用摊销公式或在线计算器来计算你的月供。一旦你确定了每月的还款金额，就可以开始amortise贷款。每个月，你将进行一次由两部分组成的付款：利息和本金。在贷款的早期阶段，你的付款中较大部分用于利息，而在后期，更多的付款将用于减少本金。这被称为摊销曲线，显示了你的债务如何随着时间的推移而减少。理解这个过程不仅对管理贷款有益，而且在做出再融资或提前还款的明智决策时也非常重要。如果你决定提前还款，了解如何amortise可以帮助你理解你将节省多少利息，以及剩余余额将如何变化。除了个人财务外，amortisation的概念在商业会计中也很相关。公司通常使用amortisation将无形资产（例如专利或商标）的成本分摊到其使用寿命中。这有助于企业准确反映其财务状况，并确保费用与其产生的收入相匹配。总之，理解术语amortise对任何处理贷款的人来说都是至关重要的，无论是个人还是专业人士。它提供了一个清晰的框架来管理债务并做出明智的财务决策。通过掌握amortisation的概念，个人和企业都能更自信、清晰地应对金融的复杂性。